We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Good credit cards come to people who have good credit, as you can see from the offers listed below (some of which are from WalletHub sponsors). Included among them are many of the market’s best rewards credit cards as well as offers with some of the longest 0% intro financing periods. So whether you plan to pay your bill in full or carry a balance from month to month, you’ll be able to find an offer that will help you maximize your savings.If you aren’t sure whether you have good credit, you cancheck your latest credit score for free on WalletHub. And if you want some advice on which card to pick, check out WalletHub’s editors’ picks for the best credit cards for good credit, listed below.…show moreshow less

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What are the best credit cards for good credit?

By: John Kiernan, Credit Card EditorGood credit doesn’t quite get you the pick of the litter, like excellent credit does. But it will help you qualify for many of the market’s best offers. So identifying the best credit cards for good credit is just a matter of seeing which of the best overall credit cards accept good-credit applicants.

With that in mind, here are the best credit cards you can get with good credit, selected by WalletHub’s editors from 1,000+ offers:

Good credit is great, and it will save you hundreds of dollars per year relative to bad credit. But it’s not excellent. So make sure to use your new credit card responsibly, and pretty soon you’ll be able to enjoy excellent credit, Top WalletFitness and the serious savings that come along with them. Sign up for a free WalletHub account to track your progress and get personalized tips that should help along the way.

What sets credit cards for good credit apart?

By: John Kiernan, Credit Card Editor

The tables turn when you reach good credit. Instead of you having to prove yourself to credit card companies, they must now compete for your business. For one thing, more issuers have credit cards for people with good credit than offers for folks with fair, limited or bad credit. And they’re all looking to woo trustworthy new customers who pose relatively little risk and thus have a lot of profit potential.

That’s why people with good credit can expect to earn roughly twice as much rewards value as someone with fair credit or enjoy 0% financing for about twice as long. Credit cards for people with good credit also tend to have much lower regular APRs (18.14% on average) than those for folks with fair credit (22%).

How long does it take to qualify for a good credit credit card?

By: John Kiernan, Credit Card Editor

There is no hard-and-fast timetable for when someone will reach good credit. How long it takes depends on a number of different factors, such as your payment history and how long you’ve been using credit. With that being said, it’s possible to build a good credit score from scratch in as little as six months.

But a good score based on limited information won’t last unless you continue to make on-time payments, maintain low credit utilization, etc. And it generally takes at least three years of responsible borrowing to build a consistently good credit score. Potential creditors simply need proof that you can use credit responsibly and afford the spending power provided by a new card.

What is a good credit score to apply for a rewards credit card?

By: John Kiernan, Credit Card Editor

There are rewards credit cards available to people of all credit levels, even folks with bad credit. But if you want really good rewards, you’ll generally need a good or excellent credit score. That’s what the market’s best overall rewards cards require.

Plus, credit cards for people with less-than-good credit usually don’t have high enough spending limits for users to rack up significant rewards value. That’s why finding a credit card with no annual fee becomes increasingly important the lower your credit score is.

Are credit cards for good credit automatically better than cards you don’t need good credit to get?

By: John Kiernan, Credit Card Editor

Yes, credit cards for good credit are generally better than credit cards for people with fair, limited or bad credit. But there are exceptions, depending on how you plan to use your plastic.

For example, store credit cards typically require just fair credit for approval. But some offer the best rewards of any card for purchases made at the specific retailers they’re affiliated with. You obviously can’t use a store card for everything. So such a card can’t really compete with a solid everyday rewards card for good credit overall. But using both cards would be better than opting solely for a Visa, Mastercard, American Express or Discover card.

Interestingly enough, while credit cards for good credit tend to be more attractive than cards for people at lower credit levels, they usually aren’t at much of a disadvantage relative to offers reserved for people with excellent credit. The best credit cards often require at least good credit for approval. This is especially true with rewards cards, as it can be a bit harder to get the very best 0% offers.

For help finding the best credit card for your particular needs, sign up for a free WalletHub account. We’ll give you a personalized credit card recommendation based on your latest credit score and report.

What spending limit can I expect on a credit card with good credit?

By: John Kiernan, Credit Card Editor

There’s no way to tell exactly what credit limit you’ll get with any unsecured credit card, unless a minimum is listed in the offer’s terms and conditions. Spending limits vary from person to person. And credit card companies regularly tweak their standards. So even the limits reported by previously approved applicants can be off base and misleading.

Credit card companies consider a lot of information when making approval decisions and setting spending limits. But your income, assets and existing debt obligations are among the most important when it comes to credit limits. Basically, card issuers want to make sure that you can afford to repay whatever you spend.

With all of that being said, a spending limit of $5,000 to $10,000 is a pretty good ballpark estimate of what you can expect to receive from a credit card with good credit. For more information, check out WalletHub’s guide on how credit limits are determined.

Should I get a credit card for good credit or wait until I have excellent credit?

By: John Kiernan, Credit Card Editor

If getting the best credit card is your only concern, there’s probably no reason to wait. Credit cards for good credit tend to be just as attractive as cards for excellent credit, with the possible exception of 0% offers. But if you plan to apply for a mortgage, auto loan, personal loan, etc., in the next six months or so, holding off could be the right move.

The terms on such a loan figure to either save or cost you a lot more than a credit card’s rates, fees and rewards. So you want your credit to be in the best possible shape come application time. And applying for a credit card now could jeopardize that, since each application results in a hard inquiry that can cause your credit score to dip for a few months.

With that being said, it may not take long for you to graduate from good to excellent credit, if you’re close to begin with. It could happen the next time you make an on-time bill payment or if you reduce your credit utilization. You just have to decide whether waiting is worth it in your particular situation. And monitoring your free daily credit score updates on WalletHub will help you make the right choice.

I love playing video games so it was a no brainer for me to get the PlayStation® Card from Capital One®. I have had every PlayStation system since the first one came out in the 90’s so this is a perfect way for me to earn lots of reward points. You get 10 points per $1 spent at the PlayStation store and 3 points per $1 spent at authorized retailers. Like most other cards, you get 1 point for everything else. Since I buy so many PlayStation games, I am able to build up points a lot points quicker than normal. I am earning lots of points for purchases I would have made anyway so this is great for me.…read more

I got my Barclays Rewards MasterCard to continue building my credit. I didn't need a high limit, and I didn't care about rewards. I like the many different aspects of my account that I can customize: texts to remind me to make a payment, etc. I also taken advantage of the monthly FICO score that is available. I have really appreciated having this card and would recommend it.

I chose my credit card to get the benefits of the rewards points. I even added my mother and wife as authorize users to get the most points of out it. Not only does it help with my credit score but then I use the points to help pay for merchandise. It really comes in handy during the holiday seasons when everyone will be shopping anyway. Just have it placed on my card and I can buy gifts that I want for even lower the prices.…read more

I've always gone back to the company that started my credit and that is Capital One. I currently use the Capital One QuickSilver Cash Rewards card. The deciding factor was that they offered me the lowest APR, I was a previous customer and they had no annual fee! That's sometimes hard to find. I enjoy the rewards I get and how easy it is to pay. You also get credit line increases automatically as you pay on time, which is nice and good for when life comes at you hard. I very much enjoy being a Capital One Customer and will continue to be.…read more

My favorite credit card is the Bank of America Cash Rewards card. The rewards are what works for me.I get 3% back on gas (up to $1500 each quarter), 2% at grocery stores (again, up to $1500 each quarter) and 1% on everything else. However, I also got a $100 bonus for signing up. Then, every time I redeem my cash back into my Bank of America checking account, I get a 10% customer bonus. Also, there is no annual fee.…read more

I've been a member of USAA since I joined the Navy over a decade ago. I now use the USAA Preferred Cash Rewards Mastercard as my primary credit card. I guess my decision to use that card really came down to two things. First, I appreciate USAA's customer service and convenience. I have my insurance through USAA and it's just easier to have my credit card through them as well. They also treat me with respect and have always been helpful when it comes to answering questions or dealing with issues. A couple times I've had to deal with potentially fraudulent actions on my card and I've been pleased with USAA's response. The other factor that lead me to the Preferred Cash Rewards card is the 1.5% cash back, which makes me feel good when I make purchases and when I get the money back at the end of the year. 1.5% is an attractive rate to me. Overall I'm quite pleased with USAA and my card and I currently have no plans to change my credit card situation anytime soon.…read more

I am an avid fan of video games so naturally I chose the PlayStation Card from Capital One. This is a great card if you often buy games from the PlayStation store. This was the deciding factor me since I buy about 2-3 games a month from the store itself. You get 10 points per $1 spent at the PlayStation store and 3 points per $1 spent at a PlayStation and Sony purchases at Sony Store and store.sony.com. So naturally the more you buy the more your points add up. Another positive thing is there is no annual fee unlike some other credit cards.…read more

For those people with good credit, the Blue Cash Preferred Card from American Express provides exceptional benefits. The card provides 6% cash back on grocery purchases, 3% back on gasoline and some department stores, and 1% back on other purchases. The grocery bonus is great if you have a family and like to prepare your own meals. There is an annual fee of $75, but you can also choose a no-fee plan that provides 3% back on groceries. If you spend more than $50-100 per week on groceries, the fee-based card will pay for itself. Be aware that AMEX isn't as widely accepted as VISA or Mastercard, but I have had very little trouble using it to buy groceries or gasoline.…read more

I think if you have exceptionally bad credit some of these cards may be very useful for you to build your credit up and allow you to make purchases you otherwise may not be able to, but I would under no circumstances use these if I had even passable credit. The rates are just too high, and if I were the card providers I certainly would not offer these to my already well established customers.…read more

I think that if a person only has good credit, then their credit card would be "worse" than somebody who has excellent credit's card. I think this way is honestly pretty fair. To those who take good care of their credit and their bills, they deserve to be rewarded. That's not to say that those with good credit should not benefit, but more to say that those with excellent credit should benefit just a little bit more than they do.…read more

Cards for good credit can be very good, but there's always those top tier cards that are reserved for people with excellent credit. The APRs are going to be a bit lower and the rewards are going to be just less than the very best cards, but they do come very close to the top tier cards. I would be satisfied with many of the good cards out there, but I would prefer to have the very best cards just for the slight uptick in savings and rewards.…read more

It is my opinion that credit cards that are for those of us with less than perfect credit are much worse than those that are for people with excellent credit. In my experience the interest rate is generally lower and there are more perks or rewards programs available. It is also very hard for those without perfect credit to obtain approval for the better cards.

Cards can be for good credit, I use such cards right now at my city college, and will continue to use them for financial aid when I transfer to university. Cards for excellent credit and good credit don't really have much difference, both are useful if you use them correctly. What matters more is the fees and how the card companies treat the customers.

I don't think there is a significant different between credit cards for excellent credit and credit cards for good/average credit. It all comes down to APR and the type of rewards you want. I personally would never use concierge or similar programs that come with cards for excellent credit. What I do want is cashback rewards and no annual fee, which many cards for good credit provide (I have the Capital One Quicksilver and a Barclays card that provide this). And APR doesn't really matter if you pay your balance in full each month.…read more

There are card available for people with good credit that are just as good as the excellent credit options. Capital One Quicksilver card has one of the best rewards programs and it is not that hard to qualify for. recommends it for people who have good credit. The Quicksilver earns 1.5% cash back on all purchases with no categories to worry about. It also does not charge any foreign transaction fees. Some card for excellent credit will have lower interest rates but if you are using your card responsibly that will not matter.…read more

I believe that cards for people with excellent credit are better than cards for people with good credit. Cards for excellent credit can offer better rates and reward programs to the card holders that they know will pay them back. Cards with good credit holders will also have great rates and good reward programs, but they can't compete with the better rates. Ultimately though, it all comes down to the individual card holder.

Yes, I do think that good credit cards can be as good as excellent credit cards. Having worked my way into excellent credit, I know what is like to have cards requiring both. I have found that good credit cards offer some of the very same benefits as excellent credit cards, i.e. cash back, travel rewards, gift cards.

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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.